Flood insurance claims in Chemung County, New York

FEMA records 304 National Flood Insurance Program claims in Chemung County, New York, since 1978, with $2.6 million paid in total. The year with the most claims was 1996, with 98. As of 3 August 2026, 1.3% of homes here had an NFIP policy.

NFIP claims on record304

Total paid$2.6 million

Claims with a payment200

Homes with NFIP policy1.3%

High-risk zone homes insuredn/a

Residential policies in force415

Claims by year of loss

NFIP claims by year of loss, Chemung County, New York

Paid on claims by year of loss (building, contents and increased cost of compliance), Chemung County, New York

Named flood events with the most claims

Event (FEMA name)	Claims
Flooding	78
Tropical Storm Lee	33
Hurricane Sandy	3
Hurricane Irene	3
Not a named storm	2
Torrential rain	1

ZIP codes with the most claims

ZIP code (as reported)	Claims
14894	54
14901	41
14903	35
14904	27
14845	27
14814	27
14892	24
14871	23
14861	12
14905	10

142 of the claims were on properties rated in a high-risk flood zone (zones starting A or V). Building $2.2 million, contents $436,960, increased cost of compliance $30,000.

Flood insurance take-up

	Homes	With NFIP policy	Share
High-risk flood zone	0	290	n/a
All homes	32,437	415	1.3%

FEMA counts residential structures and NFIP residential policies in force as of 3 August 2026. Private flood policies are not counted. A share is shown as n/a where FEMA counts no homes or more policies than homes.

Flood insurance basics. Most standard homeowners policies do not cover flood damage. NFIP policies are sold through insurance agents and through FEMA's FloodSmart site, which also explains waiting periods (usually 30 days before cover starts). Check your property's flood zone on the FEMA Flood Map Service Center.

Sources

Checked 29 October 2026. Claims are NFIP claims only. Private flood insurance claims and uninsured losses are not included. Recent events can take months to be fully reflected.